| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 4.75% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 2.04% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 2525 EAST ARIZONA BILTMORE CIRCLE SUITE D144 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $318 | $318 | 0.06% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 2525 EAST ARIZONA BILTMORE CIRCLE SUITE D144 PHOENIX, AZ 85016 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 10.00% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 2525 EAST ARIZONA BILTMORE CIRCLE SUITE D144 PHOENIX, AZ 85016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.98% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4700 ROCKSIDE ROAD SUITE 540 CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167 | $8 | $175 | 0.49% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | AVESIS INSURANCE INCORPORATED | $734 | $0 | $734 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $557K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 215 | $48K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 215 | $55K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $36K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $36K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $557K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.